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Jurnal Ekonomi Malaysia

53 (1) 2019 35 – 46

Pengaruh Hubungan Sosial terhadap Gelagat Pembelian Barangan Bukan Asas dan Niat Berhutang dalam Kalangan Isi Rumah B40
The Influence of Social Relationships Toward Purchasing Behavior of Non-Basic Needs and The Influence of Social Relationships Toward Purchasing Behavior of Non-Basic Needs and Debt Intention Among B40 households

Jabatan Perdagangan
Politeknik Kota Kinabalu Sabah
88460 Kota Kinabalu, Sabah

dicky@polikk.edu.my

Pusat Fiqh Kontemporari dan Pematuhan Syariah
Fakulti Pengajian Islam
Universiti Kebangsaan Malaysia
43600 UKM Bangi Selangor
MALAYSIA

salmy1001@ukm.edu.my

Pusat Pembangunan inklusif dan lestari
Fakulti Ekonomi dan Pengurusan
Universiti Kebangsaan Malaysia
43600 UKM Bangi Selangor
MALAYSIA

hairun@ukm.edu.my

Abstract

The culture of debt has been considered synonymous with low-income households (B40). The purpose of their debt is to buy goods that meet their needs. An overview of literary studies on low-income groups in suburban settlements found debt culture has haunted their lives. Group B40 is expected to loan for their basic needs and to fund their daily basic costs. However, due to time and environment circulation, there may be other needs that they want to fulfill. Therefore, this research is to study the effect of social relationships with the intention of increasing the loan and the purchase of non-basic goods (tahsiniyyat goods) through loans carried out among B40 households in Felda Sabah, Malaysia. The sample of this study consists of 378 representatives of B40 households. The findings show that there is a significant relationship between social relations with the intention of increasing the lending and buying of non-basic items through loans. This study can explain that social relationships have a significant influence on the financial management and spending of a person. Hence, the efforts to educate on financial management, especially debts need to be extended to the B40 group as well as the need for their involvement in spiritual programs so that they have the strength in dealing with social groups that always influence people in many respects.

Keywords

B40 household; debt intentions; felda; purchasing behavior; Social relationships
http://dx.doi.org/10.17576/JEM-2019-5301-4
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Bibliography

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Ngadiman, , Yacoob, , & Wahid, (2019). Pengaruh Hubungan Sosial terhadap Gelagat Pembelian Barangan Bukan Asas dan Niat Berhutang dalam Kalangan Isi Rumah B40. Jurnal Ekonomi Malaysia, 53(1), 35–46. http://dx.doi.org/10.17576/JEM-2019-5301-4

@article{ngadiman2019pengaruh,
  title={Pengaruh Hubungan Sosial terhadap Gelagat Pembelian Barangan Bukan Asas dan Niat Berhutang dalam Kalangan Isi Rumah B40},
  author={Ngadiman, Dicky Wiwittan Toto and Yacoob, Salmy Edawaty and Wahid, Hairunnizam},
  journal={Jurnal Ekonomi Malaysia},
  volume={53},
  number={1},
  pages={35—46},
 

year={2019},
}

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